About David Uster

David grew up in western New York near Buffalo, and moved to Arizona immediately after high school in 1985 to attend Arizona State University. He started his mortgage career in 1991 and never looked back! Since then, he has weathered many ups & downs in the real estate market and earned lifelong clients. David has also raised 2 sons into fine young men, traveled abroad and all around the US, and learned to fly airplanes.

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The 20% Myth: Understanding Down Payments

Most would-be homeowners believe that it’s necessary to pay 20% up front as a down payment when you purchase a home. This would be a major hurdle to homeownership for most people, but the good news is that it isn’t always true. Learn more about the 20% myth so you can better plan to buy…

The Homebuying Process from Beginning to End

Buying a home is the most significant investment most of us will make in our lifetimes. Given this, it may not come as a surprise that the process involved with becoming a homeowner is much more complicated than the everyday purchases we make at the grocery store or even the car dealership. If you’ve never…

What Does a Rate Cut Mean for Mortgages? How to Interpret News Stories About Interest

The Federal Reserve often responds to major economic events by raising or lowering interest rates. While these moves have a big impact on the economy as a whole, they have a different impact on consumers than they do on financial institutions. Learn more about how to interpret interest-focused news stories with this guide. Financial News…

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